JP2017138731A - Number correlation server and method therefor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a server and method for improving a user convenience when a card number is changed.SOLUTION: A number correlation server 10 comprises: specific character string correlation means 103 for correlating specific character string information that indicates a virtual number to user identification information and identification code information that indicates a credit card number; claim information reception means 105 for receiving the user identification information and claim information that indicates a usage fee correlated to the specific character string information from a claim server 30; update means 107 which, when a credit card number is changed, updates identification code information that indicates the credit card number correlated by the specific character string correlation means 103 to identification code information that indicates a changed credit card number.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a number association server and a method thereof.

  Conventionally, a credit card, which is an example of a card used by a user, can be paid only by posting it at an actual store, or by simply entering a number at a store on the Internet. It has good characteristics and is used by many users.

  In recent years, an increasing number of users pay public utilities with a credit card. In such a payment method using a credit card, the public company charges the credit card company. The credit card company charges the customer after receiving a request from a public company (see Patent Document 1). In this way, in the payment method using a credit card, the credit card company temporarily changes the public fee to be paid by the customer, and then the credit card company charges the customer for the corresponding amount.

JP 2008-123460 A

  By the way, users can use credit cards by registering their credit card numbers in advance for, for example, electric utilities, water utilities, gas businesses, telephone businesses, mail order businesses, etc. You can pay public utilities.

  However, for example, when a credit card is reissued due to a loss of the credit card or the like, a credit card with a new number is reissued. In such a case, the user credits each business operator (electric utility, water utility, gas business, telephone business, mail order business, etc.) who pays using a credit card. The procedure for changing the card number has to be performed, which reduces user convenience.

  Therefore, an object of the present invention is to improve user convenience when the card number is changed from the above viewpoint.

  In order to solve the above problems, the present invention provides the following solution.

  (1) In the first aspect of the present invention, there is provided a number association server connected via a network to a billing server that charges a user's usage fee and associating a specific character string with an identification code of the user's card, When the identification code is changed, and the specific character string association means for associating the specific character string information indicating the specific character string with the user identification information for identifying the user and the identification code information indicating the identification code of the card Update means for updating the identification code information associated with the specific character string association means to the identification code information indicating the changed identification code, and the user identification information and the specific character string information from the billing server. And billing information receiving means for receiving billing information indicating the usage fee associated with.

  (2) Further, in the number correlation server according to (1), the specific character string association unit may associate a plurality of pieces of identification code information with the user identification information and the specific character string information. You may make it be.

  (3) Further, the present invention further includes inquiry means for inquiring credit based on the user identification information and the identification code information in the number association server of (1) or (2), wherein the specific character string The association unit generates the specific character string association information in which the specific character string information is associated with the user identification information and the identification code information according to the inquiry result by the inquiry unit, and the update unit includes The identification code information of the specific character string association information generated by the specific character string association unit is updated to the identification code information indicating the changed identification code according to the inquiry result by the inquiry unit. It may be.

  (4) A second aspect of the present invention is a number executed by a number association server that is connected via a network to a billing server that charges a user's usage fee and associates a specific character string with an identification code of the user's card. A specific character string associating step for associating specific character string information indicating the specific character string with user identification information for identifying the user and identification code information indicating the identification code of the card, When the identification code is changed, an update step for updating the identification code information associated in the specific character string association step to the identification code information indicating the changed identification code; Billing information receiving step for receiving billing information indicating the usage fee associated with the information and the specific character string information , Characterized in that it comprises a.

  According to the present invention, it is possible to improve user convenience when the card number is changed.

It is a figure which shows the concept of the basic composition of the number matching system which concerns on embodiment of this invention. It is a figure which shows the function structure of the number matching system which concerns on embodiment of this invention. It is a figure explaining an example of specific character string matching DB which concerns on embodiment of this invention. It is a figure explaining an example of the specific character string matching request screen which concerns on embodiment of this invention. It is a figure explaining an example of the specific character string information notification screen which concerns on embodiment of this invention. It is a figure explaining an example of the payment information registration screen which concerns on embodiment of this invention. It is a figure which shows the number matching process flow which the number matching server which concerns on embodiment of this invention performs.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. In the subsequent drawings, the same numbers or symbols are assigned to the same elements throughout the description of the embodiments. In the functional configuration diagram, an arrow between functional blocks represents a data flow direction or a process flow direction.

(Basic concept / Basic structure)
FIG. 1 is a diagram showing a concept of a basic configuration of a number association system according to an embodiment of the present invention. The number association system 1 associates a specific character string (virtual number) with a credit card number, which is an example of an identification code of a credit card, which is an example of a user's card, and notifies the user of this virtual number. A system that allows a user to use a number instead of a credit card number. The identification code and the specific character string may be numbers in which predetermined numbers are arranged, alphabets, kana, symbols, etc. may be arranged, or numbers, alphabets, kana, etc. may be mixed and arranged. . Further, the specific character string (virtual number) may be a My Number assigned to each user from the country.

  Here, in the description of the present embodiment, a credit card will be described as an example of a “card”. However, the present invention is not limited to this, and the present invention is not limited to a credit card as long as it is a numbered card. The credit card may be replaced with a cash card, a credit card or a prepaid card, a transportation card, an oil company card, a communication company card, or the like.

  Specifically, the number association system 1 charges a number association server 10 associated with a virtual number, connected to each other via a network, a user terminal 20 operated by the user, and a user usage fee. And a server 30. The number association server 10 is, for example, a server operated by a credit card company that is an acquirer, but may be a server operated by a financial institution such as a bank or a server operated by a company that provides various cards. . Moreover, the user terminal 20 is comprised by the tablet terminal, the personal computer, the smart phone, etc. The billing server 30 is a credit card member store, for example, a server that is operated by a company that charges a user's usage fee, such as a power company, a water station, a gas company, and a mail order dealer.

  First, the number association server 10 issues a virtual number when a credit card number is notified from a user by a predetermined method such as transmission of identification code information indicating a credit card number from the user terminal 20 or submission of a document. Then, the user identification information for identifying the user and the identification code information indicating the credit card number are stored in association with the specific character string information indicating the virtual number. In addition, when a new credit card issuance request is issued from the user, the number association server 10 issues a virtual number when newly issuing a credit card number, and associates and stores these virtual numbers. Good.

  Next, the number association server 10 transmits the specific character string information associated with the identification code information to the user terminal 20 or notifies the user of the virtual number indicated by the specific character string information by a method such as mailing. .

  A user registers a virtual number instead of a credit card number as payment information to a credit card member store (electric power company, water department, gas company, mail order dealer, etc.). The user accesses the billing server 30 operated by the credit card member store through the user terminal 20, and uses the specific character string information indicating the virtual number instead of the identification code information indicating the credit card number as his payment information. You may send it. In this case, the billing server 30 may transmit inquiry information about the credit of the virtual number indicated by the specific character string information to the number association server 10 based on the user identification information and the specific character string information received from the user terminal 20. Good. When the inquiry server receives the inquiry information from the billing server 30, the number association server 10 determines whether the virtual number is stored in association with the user identification information, and indicates an answer to credit based on the determination result. The reply information may be transmitted to the billing server 30.

  The billing server 30 includes user identification information for identifying the user and a registered virtual number in billing information indicating a user's usage fee (electricity fee, water fee, gas fee, price of purchased product, etc.). The specific character string information shown is associated and transmitted to the number association server 10.

  Based on the billing information transmitted from the billing server 30, the number association server 10 charges a usage fee to the user identified by the user identification information associated with the billing information.

  Here, for example, when the credit card is lost, the issued credit card is discarded, a new credit card is issued, and a credit card number is also newly issued. Thus, when the credit card number is changed in the same user, the number association server 10 updates the identification code information associated with the specific character string information to the identification code of the changed credit card number. .

  According to such a number association server 10, the user can use a virtual number instead of a credit card number. The virtual number does not change even if the credit card number is changed.

  Here, when a user pays using a credit card at a plurality of business operators such as an electric power company, a water authority, a gas company, and a mail order dealer, the credit card number is assigned to each business operator in advance. By registering, payment to these companies can be made with a credit card. In this case, when the credit card number is changed, the user has to perform a procedure for changing the credit card number for all business operators, which reduces the convenience for the user.

  According to the number association server 10, it is possible to make a payment using a virtual number instead of a credit card number. And since a virtual number does not change even if a credit card number is changed, even if a user changes a credit card number by using a virtual number, it is not necessary to perform a change procedure with respect to a provider. Therefore, the convenience of the user when the card number is changed can be improved.

(Functional configuration)
FIG. 2 is a diagram showing a functional configuration of the number association system according to the embodiment of the present invention. The number association system 1 includes a number association server 10 that associates a specific character string with an identification code of a user card, and a user terminal 20 and a billing server 30 that are connected to the number association server 10 via a network. Prepare.

  The number association server 10 includes a receiving unit 101, an inquiry unit 102, a specific character string association unit 103, a specific character string information transmission unit 104, a billing information receiving unit 105, a billing information processing unit 106, a specific A character string association database (hereinafter also referred to as a specific character string association DB) 110.

  The receiving unit 101 receives from the user terminal 20 user identification information for identifying a user and identification code information indicating a credit card identification code (credit card number) as an example of a card. Specifically, the number association server 10 provides the user terminal 20 with specific character string association request screen information for displaying the specific character string association request screen on the user terminal 20 in response to the access of the user terminal 20. Send. The receiving unit 101 includes, as the specific character string association request information, user identification information such as the user name and password entered on the specific character string association request screen on the user terminal 20, and identification code information indicating a credit card number Receive. In the present embodiment, the specific character string association request screen is a screen displayed on the user terminal 20, accepting a virtual number issuance request from a user who already has a credit card, or changing a credit card number. It is a screen to accept. In addition, the number association server 10 may accept the issuance of a credit card with a virtual number from a user who does not have a credit card on the specific character string association request screen.

  The inquiry unit 102 inquires about the credit based on the user identification information and the identification code information received by the reception unit 101.

  The specific character string associating means 103 associates the specific character string information indicating the virtual number with the user identification information for identifying the user and the identification code information indicating the credit card number of the credit card according to the inquiry result by the inquiry means 102. .

  Specifically, the specific character string association unit 103 issues a virtual number when the result of the inquiry by the inquiry unit 102 is that a credit card can be used, and uses this virtual number as the user identification information and the identification code information. Specific character string association information associated with the specific character string information shown is generated and stored in the specific character string association DB 110.

  The specific character string association unit 103 can associate a plurality of pieces of identification code information with the user identification information and the specific character string information in the specific character string association DB 110.

  FIG. 3 is a diagram illustrating an example of the specific character string association DB according to the embodiment of the present invention. In the specific character string association DB 110, specific character string information (virtual number) is associated with user identification information and credit card information. Further, the billing source identification information is associated with the specific character string information (virtual number). The user identification information may be arbitrary information as long as the user can be identified, but the example shown in FIG. 3 includes information indicating the user's name and personal identification number. The credit card information includes identification code information (credit card number) and an expiration date in the example shown in FIG. In the specific character string association DB 110, a plurality of credit card information may be associated with the same user and the same specific character string information. The billing source identification information is identification information of credit card member stores and billing server 30 operated by these member stores. Note that specific character string information (virtual number) may be associated with each billing source identification information.

  Returning to FIG. 2, the specific character string information transmitting unit 104 uses the specific character string association unit 103 to specify the specific character string information (virtual character string associated with the user identification information and the credit card information in the specific character string association DB 110. The specific character string information notification information for displaying the specific character string notification screen that notifies (number) is transmitted to the user terminal 20.

  The billing information receiving means 105 uses the billing server 30 in association with billing source identification information for identifying a business operator (credit card member store) operating the billing server 30, user identification information, and specific character string information. And billing information indicating charges.

  The billing information processing unit 106 refers to the specific character string association DB 110 (see FIG. 3) based on the billing information associated with the user identification information and the specific character string information received by the billing information receiving unit 105. Perform billing process. Specifically, the billing information processing unit 106 identifies identification code information (credit card number) from user identification information and specific character string information associated with the billing information received by the billing information receiving unit 105, and The same processing as the credit card billing processing is performed.

  Further, the billing information processing unit 106 bills when a plurality of pieces of identification code information (credit card numbers) are associated with the user identification information and the specific character string information in the specific character string association DB 110 (see FIG. 3). Based on the billing source identification information received by the information receiving means 105, identification code information (credit card number) associated with the billing source identification information is identified in the specific character string association DB 110, and billing processing in a normal credit card The same processing is performed.

  Further, the billing information processing unit 106 generates billing processing information in which the user identification information and billing information received by the billing information receiving unit 105 are associated with the identified identification code information (credit card number). For example, when the number association server 10 is a server operated by a company affiliated with a plurality of types of credit card companies and issues virtual numbers common to the plurality of types of credit cards, the billing information processing means 106 Transmits the billing process information to a server operated by the credit card company that issued the identified identification code information (credit card number). When the number association server 10 is a server operated by a certain credit card company, the billing information processing unit 106 transmits billing processing information to the user terminal 20.

  If the credit card number is changed, the updating unit 107 determines that the specific character string association stored in the specific character string association DB 110 is the result of the inquiry by the inquiry unit 102 being a result that the credit card can be issued. The credit card number of the information is updated to identification code information indicating the changed credit card number.

  The user terminal 20 includes, for example, a tablet terminal, a personal computer, a smartphone, and the like, and includes an output unit 201, an input unit 202, and a terminal control unit 203.

  The output unit 201 includes a display and a speaker, and outputs a specific character string association request screen based on the specific character string association request screen information received from the number association server 10. FIG. 4 is a diagram illustrating an example of a specific character string association request screen according to the embodiment of the present invention. In the example illustrated in FIG. 4, the specific character string association request screen displayed on the output unit 201 includes a title “virtual number issuance request”, a credit card number, an expiration date, and a right holder (“NAME” in FIG. 4). ) Is displayed.

  Returning to FIG. 2, the output unit 201 outputs a specific character string information notification screen based on the specific character string information notification information received from the number association server 10. FIG. 5 is a diagram illustrating an example of the specific character string information notification screen according to the embodiment of the present invention. In the example illustrated in FIG. 5, the specific character string information notification screen displayed on the output unit 201 includes a title “virtual number issue” and a virtual number (“9999-1234-5678-xxxx” in FIG. 5) credit card. A number, an expiration date, and a holder (“NAME” in FIG. 5) are displayed.

  Returning to FIG. 2, the output unit 201 outputs a payment information registration screen based on the payment information registration screen information received from the billing server 30. FIG. 6 is a diagram illustrating an example of a payment information registration screen according to the embodiment of the present invention. In the example shown in FIG. 6, information (“AAA power” in FIG. 6) indicating a business company that is a member store is displayed on the payment information registration screen displayed on the output means 201. On the payment information registration screen, information on the virtual number (virtual number, nominee (“NAME” in FIG. 6)) or credit card information (selection of credit card company, credit card number, nominee (in FIG. 6 “ NAME ") and expiration date) are displayed. In this embodiment, no expiration date is set for the virtual number. As a result, for example, even if the credit card expires and is reissued with a new expiration date, the user can save the trouble of updating the payment information for the member store. Convenience is improved. An expiration date may be set for the virtual number. In this case, it is preferable to set the expiration date of the virtual number separately from the expiration date of the credit card associated with the virtual number (for example, an expiration date later than the expiration date of the credit card). May be the same.

  Returning to FIG. 2, the input means 202 uses the specific character string association request screen (see FIG. 4) to identify the identification code information indicating the credit card number, the expiration date of the credit card, An input of user identification information which is a name is accepted. In addition, the input means 202, on the payment information registration screen (see FIG. 6), based on the user's operation, the identification code information indicating the credit card number or the specific character string information indicating the virtual number, the expiration date of the credit card, An input of user identification information which is a user name is accepted.

  The terminal control unit 203 controls the entire user terminal 20 and transmits various information received by the input unit 202 to the number association server 10 or the billing server 30.

  The billing server 30 transmits the payment information registration screen information to the user terminal 20 in response to the access from the user terminal 20, and stores the identification code information or specific character string information received from the user terminal 20, or the user identification information. . The billing server 30 associates the stored identification code information, specific character string information, or user identification information with billing information indicating the user's usage fee, and transmits it to the number association server 10 together with the billing source identification information.

  The above-described functional configuration of the present system is merely an example, and one functional block (database and function processing unit) may be divided, or a plurality of functional blocks may be configured as one functional block. Each function processing unit reads a computer program stored in a storage device such as a ROM (Read Only Memory), flash memory, SSD (Solid State Drive), or hard disk by a CPU (Central Processing Unit) built in the device This is realized by a computer program executed by the CPU. That is, in each function processing unit, this computer program reads and writes necessary data such as a table from a database (DB; Data Base) stored in a storage device or a storage area on a memory, and may be related in some cases. This is realized by controlling hardware (for example, an input / output device, a display device, and a communication interface device). Further, the database (DB) in the embodiment of the present invention may be a commercial database, but it simply means a collection of tables and files, and the internal structure of the database itself is not questioned.

(Processing flow)
In the subsequent processing flow diagrams (flowcharts), the processing order of each step may be changed as long as the relationship between the input and output of each step is not impaired.

  FIG. 7 is a diagram showing a number association processing flow executed by the number association server according to the embodiment of the present invention. In step S <b> 1, the receiving unit 101 receives user identification information such as a user name and a personal identification number input on the user terminal 20 on the specific character string association request screen (see FIG. 4) as specific character string association request information. The identification code information indicating the credit card number is received.

  In step S2, the inquiry unit 102 makes an inquiry about credit based on the user identification information and the identification code information received by the reception unit 101 in step S1.

  In step S3, the inquiry means 102 moves the process to step S4 if the inquiry result in step S2 can use the credit card, and ends this process if the credit card cannot be used.

  In step S4, the specific character string associating unit 103 has already referred to the specific character string associating DB 110 (see FIG. 3) based on the user identification information received by the receiving unit 101 in step S1. It is determined whether or not (number) is associated with the user identification information. If it is determined that it is associated, the process proceeds to step S7. If it is not determined that it is associated, the process proceeds to step S5.

  In step S5, the specific character string association unit 103 associates specific character string information indicating a virtual number with user identification information and identification code information.

  In step S6, the specific character string information transmission unit 104 displays a specific character string notification screen for notifying the specific character string information (virtual number) associated with the user identification information and the identification code information in step S5. The character string information notification information is transmitted to the user terminal 20.

  In step S7, the update unit 107 updates the identification code information indicating the credit card number associated with the specific character string association unit 103 in step S5 to the identification code information indicating the changed credit card number.

(Effect of embodiment)
According to the number associating server 10 according to the present embodiment, it is connected via a network to a billing server 30 that charges a user's usage fee, a virtual number is associated with a credit card number of a user's credit card, and a specific character string Corresponding means 103, billing information receiving means 105, and updating means 107 are provided. The specific character string association unit 103 associates specific character string information indicating a virtual number with user identification information for identifying a user and identification code information indicating a credit card number. When the credit card number is changed, the update unit 107 updates the identification code information indicating the credit card number associated with the specific character string association unit 103 to the identification code information indicating the changed credit card number. The billing information receiving unit 105 receives billing information indicating a usage fee associated with the user identification information and the specific character string information from the billing server 30. This makes it possible to pay using a virtual number instead of a credit card number. And since a virtual number does not change even if a credit card number is changed, even if a user changes a credit card number by using a virtual number, it is not necessary to perform a change procedure with respect to a provider. Therefore, the convenience of the user when the card number is changed can be improved.

  Further, the specific character string association unit 103 can associate a plurality of pieces of identification code information with the user identification information and the specific character string information. As a result, a plurality of credit cards can be used with a single virtual number, so that the flexibility of payment can be improved.

  The number association server 10 further includes inquiry means 102 for inquiring credit based on the user identification information and identification code information. The specific character string association unit 103 generates specific character string association information in which the specific character string information is associated with the user identification information and the identification code information according to the inquiry result by the inquiry unit 102, and the update unit 107 The identification code information indicating the credit card number of the specific character string association information generated by the specific character string association unit 103 in accordance with the inquiry result by the inquiry unit 102 is changed to the identification code information indicating the changed credit card number. Update. As a result, unauthorized use of the virtual number can be prevented.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above embodiment. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

  In the above embodiment, the number association server (number association system) has been described using the present invention as a product invention. However, the present invention is a method invention (number association method) or a computer program invention. It can also be understood as a (number association program).

DESCRIPTION OF SYMBOLS 1 Number matching system 10 Number matching server 20 User terminal 30 Claim server 101 Receiving means 102 Receiving means 102 Reference means 103 Specific character string matching means 104 Specific character string information transmitting means 105 Claim information receiving means 106 Claim information processing means 107 Update means 110 Specific character string mapping DB
201 output means 202 input means 203 terminal control means

Claims (4)

A number association server connected via a network to a billing server that charges a user's usage fee and associating a specific character string with an identification code of the user's card,
Specific character string association means for associating specific character string information indicating the specific character string with user identification information identifying the user and identification code information indicating the identification code of the card;
An update unit that updates the identification code information associated with the specific character string association unit to the identification code information indicating the changed identification code when the identification code is changed;
A number association server comprising: billing information receiving means for receiving billing information indicating the usage fee associated with the user identification information and the specific character string information from the billing server.   The number association server according to claim 1, wherein the specific character string association unit can associate a plurality of pieces of the identification code information with the user identification information and the specific character string information. Inquiry means for inquiring credit based on the user identification information and the identification code information further comprises
The specific character string association unit generates the specific character string association information in which the specific character string information is associated with the user identification information and the identification code information according to the inquiry result by the inquiry unit,
The update means includes the identification code information indicating the changed identification code, the identification code information of the specific character string association information generated by the specific character string association means according to the inquiry result by the inquiry means. The number association server according to claim 1, wherein the number association server is updated. A number associating method executed by a number associating server that is connected via a network to a billing server that charges a user's usage fee and associates a specific character string with an identification code of the user's card,
A specific character string associating step of associating specific character string information indicating the specific character string with user identification information for identifying the user and identification code information indicating the identification code of the card;
When the identification code is changed, an update step of updating the identification code information associated in the specific character string association step to the identification code information indicating the changed identification code;
And a billing information receiving step for receiving billing information indicating the usage fee associated with the user identification information and the specific character string information from the billing server.

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